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Overview

Our Bonds option is a low-cost, single asset class investment option. It invests in a passively managed portfolio of Australian and international fixed income investments. These investments can include government and corporate bonds*. International fixed income investments are generally fully hedged. This means there is no or minimal impact from currency fluctuations on investment returns. 

*See ‘Understanding asset classes’ in the relevant PDS or Handbook to learn more about fixed income and other asset classes.

 

Why you’d invest

This might be a suitable option if you:
 

  • want to invest in a portfolio of Australian and international fixed income investments,
  • can accept fluctuations in returns. This means the possibility of negative returns over the short to medium term, and
  • are prepared to stay invested in the option for 5 years or longer.
Understanding passive management
 

Passive managers choose investments to form a portfolio that closely tracks a benchmark. A benchmark is a hypothetical portfolio of investment holdings. It represents a segment of a particular financial market. A benchmark (also known as an index) tracks the performance of a selected group of investments such as shares or bonds. Passive managers are sometimes known as index managers. They usually charge lower fees.

Account type

Investment Objective

To track the returns of a weighted index.  Namely 50% to the Bloomberg AusBond Composite 0+ Yr Index and 50% to the Bloomberg Global Aggregate Float Adjusted ex CNY Hedged AUD Index. This is before taking into account fees, costs and tax. 
 

Timeframe

5 years

Suited to investors who are prepared to invest in this option for 5 or more years. 
 

Risk

Short-term risk:
4 - Medium

Long-term risk:
7 - Very High

Estimated number of negative annual returns over any 20-year period: 2 to less than 3 times.

Learn more about short and long-term risk.

Cost of product for $50,000 account balance1

$167

Calculation of the fees and costs that can affect your super investment over a 1-year period.

Learn more about our fees and costs
 

1The cost of product assumes a balance of $50,000. It includes administration fees. It also includes an estimate of ‘Investment fees and costs’ and ‘Transaction costs’. ‘Investment fees and costs’ and ‘Transaction costs’ are based on the fees and costs for the year ended 30 June 2024. Fees and costs can vary from year to year. The amount you’ll pay in future years will depend on the fees and costs incurred by the trustee in managing the investment option. Other fees and costs may apply. If you have insurance, premiums will apply. Refer to the relevant PDS or Handbook for more information.

Spreading your super across different types of assets is called diversification. This can help reduce the risk of negative returns. Keep in mind that if you:

  • choose one or more of the single asset class investment options, and
  • don’t adequately diversify your investments,


you could be exposing your super to greater risk.

View latest performance

Asset Allocation

These are the target and asset allocation ranges for the option, effective 30 September 2024.

Scroll table horizontally on mobile

  Target  Range 
Australian fixed income 50% 0% - 100%
International fixed income 50% 0% - 100%
Cash 0% 0% - 5%
View latest asset allocations

Investment Objective

To track the returns of a weighted index.  Namely 50% to the Bloomberg AusBond Composite 0+ Yr Index and 50% to the Bloomberg Global Aggregate Float Adjusted ex CNY Hedged AUD Index. This is before taking into account fees, costs and tax. 

Timeframe

5 years

Suited to investors who are prepared to invest in this option for 5 or more years. 
 

Risk

Short-term risk:
4 - Medium

Long-term risk:
7 - Very High

Estimated number of negative annual returns over any 20-year period: 2 to less than 3 times.

Learn more about short and long-term risk.
 

Cost of product for $50,000 account balance2

$207

Calculation of the fees and costs that can affect your super investment over a 1-year period.

Learn more about our fees and costs
 

2The cost of product assumes a balance of $50,000. It includes administration fees. It also includes an estimate of ‘Investment fees and costs’ and ‘Transaction costs’. ‘Investment fees and costs’ and ‘Transaction costs’ are based on the fees and costs for the year ended 30 June 2024. Fees and costs can vary from year to year. The amount you’ll pay in future years will depend on the fees and costs incurred by the trustee in managing the investment option. Other fees and costs may apply. If you have insurance, premiums will apply. Refer to the relevant PDS or Handbook for more information.

Spreading your super across different types of assets is called diversification. This can help reduce the risk of negative returns. Keep in mind that if you:

  • choose one or more of the single asset class investment options, and
  • don’t adequately diversify your investments,


you could be exposing your super to greater risk.

View latest performance

Asset Allocation

These are the target and asset allocation ranges for the option, effective 30 September 2024.

Scroll table horizontally on mobile

  Target  Range 
Australian fixed income 50% 0% - 100%
International fixed income 50% 0% - 100%
Cash 0% 0% - 5%
View latest asset allocations

Investment Objective

To track the returns of a weighted index.  Namely 50% to the Bloomberg AusBond Composite 0+ Yr Index and 50% to the Bloomberg Global Aggregate Float Adjusted ex CNY Hedged AUD Index. This is before taking into account fees, costs and tax. 

Timeframe

5 years

Suited to investors who are prepared to invest in this option for 5 or more years. 
 

Risk

Short-term risk:
4 - Medium

Long-term risk:
7 - Very High

Estimated number of negative annual returns over any 20-year period: 2 to less than 3 times.

Learn more about short and long-term risk.

Cost of product for $50,000 account balance3

$207

Calculation of the fees and costs that can affect your super investment over a 1-year period.

Learn more about our fees and costs
 

^As the Aware Super Term Allocated Pension (TAP) invests in the same way as Aware Super Retirement Income, this information also applies to members in the TAP.

3The cost of product assumes a balance of $50,000. It includes administration fees. It also includes an estimate of ‘Investment fees and costs’ and ‘Transaction costs’. ‘Investment fees and costs’ and ‘Transaction costs’ are based on the fees and costs for the year ended 30 June 2024. Fees and costs can vary from year to year. The amount you’ll pay in future years will depend on the fees and costs incurred by the trustee in managing the investment option. Other fees and costs may apply. Refer to the relevant PDS or Handbook for more information.

Spreading your super across different types of assets is called diversification. This can help reduce the risk of negative returns. Keep in mind that if you:

  • choose one or more of the single asset class investment options, and
  • don’t adequately diversify your investments,


you could be exposing your super to greater risk.

View latest performance

Asset Allocation

These are the target and asset allocation ranges for the option, effective 30 September 2024.

Scroll table horizontally on mobile

  Target  Range 
Australian fixed income 50% 0% - 100%
International fixed income 50% 0% - 100%
Cash 0% 0% - 5%
View latest asset allocations

Explore more investment options

You can choose to invest in one option or a combination of options. And you can switch your investment options at any time for free.

Related pages

View our forms and resources page to download important documents

Frequently asked questions

We’re here to help you achieve your financial goals. We can provide simple financial advice, over the phone, to answer any questions.

You can speak to a qualified financial planner who can help you make investment choices that meet your financial goals.

Book an appointment